FORECLOSURE OPTIONS

Behind on your mortgage? You may still have options.

Missing payments or receiving a foreclosure notice can feel overwhelming. The most important thing is not to ignore it. Depending on where you are in the process, there may still be ways to keep your home, work with your lender, or sell before foreclosure is completed.

✓ Understand where you are in the process
✓ Explore both stay-and-sell options
✓ Protect as much flexibility as possible

Private · No pressure · Start with a conversation

START WITH WHERE YOU ARE

Help us understand your situation

Share the basics and our team can help you understand the real estate options that may be worth exploring.

PRIVATE · NO PRESSURE · NO OBLIGATION
START WITH THE FACTS

Foreclosure does not always mean you are out of options.

A missed payment, a lender notice, foreclosure court papers, and a completed foreclosure are different stages. The options available to you can change depending on how far the process has gone.

That is why acting early matters. If you want to keep the home, there may be lender or legal options worth exploring. If selling becomes the better choice, understanding the property’s value and your remaining equity can help you make a more informed decision.

Work With Your Lender

Depending on your loan and situation, repayment plans, forbearance, modification, or other loss-mitigation options may be available.

Bring the Loan Current

Depending on timing and your lender’s requirements, you may have an opportunity to cure the default and continue with the mortgage.

Sell the Home

If keeping the property no longer makes sense, selling before foreclosure is completed may allow you to pay off the mortgage and potentially preserve remaining equity.

Get Professional Guidance

If you have received court papers or a sheriff’s sale has been scheduled, contact a qualified Iowa attorney or HUD-approved housing counselor promptly.

IF SELLING BECOMES THE RIGHT OPTION

Timing can matter when equity is at stake.

Our team can help you understand what the property may be worth, what may be owed against it, and whether a traditional sale, as-is sale, or other real estate strategy may make sense.

The goal is not to push you toward selling. It is to give you clearer information before more of your options disappear.

Estimated Home Value +
Mortgage / Liens −
Estimated Selling Costs −
Potential Remaining Equity =

Actual numbers vary by property and situation. This is simply the framework we use to help you understand the bigger picture.

A SIMPLE PLACE TO BEGIN

Understand where you are.
Then decide what comes next.

01

Tell Us What’s Happening

Share where you are in the process and what you know about the property.

02

Understand the Real Estate Side

We can help you evaluate the property, potential value, equity, timing, and possible sale paths.

03

Choose the Next Step

Keep working toward a retention option, consult the appropriate professional, or move toward a sale if that becomes the best path.

IMPORTANT

If you have received foreclosure court papers or a sheriff’s sale has been scheduled, get legal or housing-counseling help promptly.

Amber Harrison Realty Team provides real estate services and property-related guidance. We do not provide legal, tax, financial, or foreclosure counseling.

FIND A HUD-APPROVED HOUSING COUNSELOR → IOWA LEGAL AID FORECLOSURE INFORMATION →
DO NOT WAIT FOR THE SITUATION TO GET HARDER

You may still have options.
Start by understanding them.

Whether you want to keep the home, explore a sale, or simply understand what the property could mean financially, a conversation is a place to begin.

HELP ME UNDERSTAND MY OPTIONS Private · No pressure · No obligation